Commercial Auto Insurance for Michigan Businesses
If it's used for business, your personal auto policy won't cover it. We protect Michigan business vehicles with the right commercial coverage.
What Is Commercial Auto Insurance?
Commercial auto insurance covers vehicles owned by — or used in the course of operations of — your business. Personal auto policies explicitly exclude business use, meaning if your employee gets in an accident while making a delivery or driving to a job site, your personal policy may deny the claim entirely. Commercial auto provides the liability, collision, comprehensive, and specialized coverage that businesses need for their vehicles — from a single contractor's pickup truck to a fleet of delivery vans. In Michigan, commercial vehicles must also meet the state's mandatory no-fault requirements.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Covers bodily injury and property damage your business vehicle causes to others — with higher limits appropriate for commercial risk.
Pays for repairs to your business vehicle after a collision, regardless of fault.
Covers theft, vandalism, fire, hail, and other non-collision events to your business vehicles.
Michigan's mandatory no-fault requirements apply to commercial vehicles — we ensure your policy meets state requirements.
Covers liability when employees use their personal vehicles or rented vehicles for business purposes — a critical gap many businesses miss.
Optional coverage for tools, equipment, and goods being transported in your business vehicles.
Who Needs This Coverage
Company cars, vans, trucks, and trailers used for business must be on a commercial auto policy.
Driving to job sites, hauling equipment, and carrying tools creates significant commercial auto exposure.
High-frequency driving with cargo creates elevated liability — commercial auto with appropriate limits is essential.
Even if employees use their own cars for business tasks, hired & non-owned auto coverage protects the company.
Any vehicle provided by the company to an employee requires commercial auto coverage.
Food delivery has exploded — businesses that deliver need commercial auto, not personal rideshare coverage.
Frequently Asked Questions
Cover Your Business Vehicles the Right Way
Don't let a personal auto claim denial leave your business exposed. Get a commercial auto quote from your local West Michigan agent.